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Notice of the General Office of the China Banking Regulatory Commission on Strengthening the Administration of Surety Guarantees of Loans Provided by Small and Medium-Sized Rural Financial Institutions | | 中国银监会办公厅关于加强农村中小金融机构贷款保证担保管理的通知 |
| (No. 203 [2014] of the General Office of the China Banking Regulatory Commission) | | (银监办发[2014]203号) |
| All local offices of the China Banking Regulatory Commission (“CBRC”); all provincial rural credit cooperative unions; and the rural commercial banks of Beijing, Tianjin, Shanghai, Chongqing, Ningxia Yellow River and Shenzhen: | | 各银监局，各省级农村信用联社，北京、天津、上海、重庆、宁夏黄河、深圳农村商业银行： |
| In recent years, to improve the financial services for “agriculture, farmers and rural areas,” small and medium-sized rural financial institutions have been actively innovatingloan guarantee modes, which has effectively alleviated the difficulty in obtaining loans in rural areas; however, there are still prominent risks in surety guarantees of loans in certain areas. To effectively strengthen the administration of surety guarantees of loans provided by small and medium-sized rural financial institutions, effectively prevent risks, and better support rural economic development, you are hereby notified of the relevant issues as follows: | | 近年来，为改善“三农”金融服务，农村中小金融机构积极创新贷款担保方式，有效缓解了农村贷款难问题，但部分地区贷款保证担保风险突出。为切实加强农村中小金融机构贷款保证担保管理，有效防范风险，更好地支持农村经济发展，现就有关事项通知如下： |
| I. Surety guarantee loans shall be granted under the basic credit granting premise that borrowers have sufficientprimary repayment sources. Borrowers' qualifications, integrity records and relevant financial information shall be examined strictly under the principle of“knowing your clients and knowing their businesses,” so as to effectively prevent the subject credit risks of borrowers. It is not allowed to relax the examination of borrowers due to the provision of surety guarantees, or to grant loans toineligibleborrowers by solely relying on surety guarantees. | | 一、发放保证担保贷款应以借款人具有充足的第一还款来源作为授信基本前提。要按照“了解你的客户、了解你客户的业务”原则，严格审核借款人资质条件、诚信记录及相关财务信息，有效防范借款人主体信用风险。不得因提供保证担保而放松对借款人的审查，不得单纯依靠保证担保向不符合条件的借款人发放贷款。 |
| II. The subject qualifications and capacities of guarantors shall be examined strictly. A comprehensive survey shall be conducted on a guarantor's credit standing, credit granting, authorization, contingent liability and other relevant information to accurately evaluate the guarantor's actual compensatory ability, and ensure the expression of intent thereof is true and effective, and the established surety guarantee has legal force and is easy to be implemented. The survey shall be conducted in a conscientious manner, and it is not allowed to replace the face-to-face review and field investigation on the guarantor with simple material examination. The conditions for conducting business cooperation with financing guarantee companies shall be clarified, and financing guarantee multiplier and other regulatory provisions shall be observed strictly. | | 二、严格保证人主体资质能力审核。全面调查保证人资信状况、授信情况、授权情况、或有负债情况等相关信息，准确评估保证人实际代偿能力，确保其意思表示真实、有效，所设保证担保具有法律效力且易于实现。调查应认真尽责，不得简单以材料审核代替对保证人的当面审查和实地调查。明确与融资性担保公司的业务合作条件，严格遵守融资担保放大倍数等监管规定。 |
| III. The guarantee credit line of a guarantor shall be ratified in a prudential manner. The guarantee credit line may be accurately measured and calculated by taking comprehensive consideration of the guarantor's level of assets and liabilities, credit standing, operating conditions, external guarantees and other factors so as to be strictly on guard against excessive guarantees. If the guarantee credit line of a single guarantor is insufficient for actual compensation, other credit enhancement manners, such as provision of joint guarantees by multiple parties or mixed guarantees by adding collaterals shall be supplemented in a timely manner, so as to ensure the money for risk compensation is available in full amount. | | 三、审慎核定保证人可担保额度。可担保额度应综合考虑保证人的资产负债水平、信用状况、经营状况、已对外担保情况等因素准确测算，严防过度担保。如单一保证人可担保额度不足以实际代偿，应及时补充其他增信方式，如实行多人共同保证或追加抵 (质)押物实行混合担保等，确保风险补偿足额到位。 |
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